Research Disclaimer

Effective Date: 3 August 2026

Introduction
Purpose of our Research
No Professional Advice
Accuracy and Currency of Information
Provider and Market Information
Third-Party Products and Services
Customer Responsibility
Intellectual Property
Limitation of Liability
Changes to this Disclaimer
Contact

1. Introduction

This Research Disclaimer ("Disclaimer") applies to all research, reports, rankings, scores, comparisons, publications, software outputs, analyses, dashboards, documentation, PDF reports and other materials ("Research Content") published or made available by Protection Research Ltd ("Protection Research", "we", "our" or "us").

This Disclaimer should be read together with our:

Terms of Service;

Privacy Policy;

Cookie Policy;

Website Terms of Use; and

Acceptable Use Policy. By accessing or using our Research Content, you acknowledge and accept this Disclaimer.

2. Purpose of our Research

Protection Research produces Research Content to support authorised UK financial advisers and their firms in researching business protection and related protection contracts. Our Research Content is intended to: help advisers compare eligible contracts; support filtering, ranking and documentation of research cases; assist with recording rationale and exporting client-ready reports; improve awareness of provider contract features and differences; and support internal research and documentation workflows within adviser firms. Research Content is provided for general informational and documentation purposes only.

3. No Professional Advice

Unless expressly stated otherwise in a separate written agreement, Research Content does not constitute: regulated financial advice; a personal recommendation; legal advice; regulatory advice; investment advice; insurance advice; compliance certification; or any other form of professional advice. Protection Research is a research and documentation tool. It does not provide regulated financial advice, personal recommendations or product sales. Any output must be reviewed by a suitably qualified adviser before it is relied upon or shared with a client. Research Content should not be relied upon as the sole basis for making advice, suitability, commercial or operational decisions. Users should obtain independent professional advice where appropriate.

4. Accuracy and Currency of Information

Protection Research uses reasonable skill and care when preparing Research Content. However, protection markets, provider literature and contract terms change over time.

Accordingly:

information may become outdated
provider terms and features may change
ratings, scores and rankings may change
data compiled from third-party sources may contain gaps or errors; and

previously accurate information may cease to be current.

Protection Research does not guarantee that Research Content will always be:

complete
accurate
current
free from errors; or

suitable for every client, firm process or use case. Users should independently verify critical details against current provider literature and their firm's compliance requirements before relying upon Research Content.

5. Provider and Market Information

Research Content may include:

provider contract features
eligibility criteria
rankings and scores
comparisons between products
research case documentation; and

other market or product information. Product features, provider information, ratings and scores are compiled from third-party sources and firm inputs. Data can change without notice. Rankings and reports reflect the criteria and inputs selected for each research case. They are not a guarantee of suitability, completeness or competitive outcome for any particular client. Nothing published by Protection Research should be interpreted as guaranteeing that any contract, provider or recommendation is appropriate for a specific client.

6. Third-Party Products and Services

Research Content may refer to third-party:

insurance providers
protection contracts
product features
market data
publications; or

other services. Unless expressly stated otherwise, such references are provided solely for informational or analytical purposes.

Protection Research does not:

endorse third-party products or services
certify the suitability of any third-party product
warrant the accuracy of third-party information; or

accept responsibility for the performance, availability or terms of third-party products or services. Users should carry out their own due diligence before relying upon any third-party product, service or recommendation.

7. Customer Responsibility

Each firm and adviser remains solely responsible for:

assessing suitability for each client
determining the appropriateness of any Research Content
complying with applicable legal and regulatory obligations
obtaining any necessary professional advice
verifying critical contract details before making a recommendation; and

ensuring that all advice given to clients is properly authorised and documented. Research Content is intended to support informed research and documentation and should be considered alongside the Customer's own internal policies, procedures, governance requirements and professional judgement. Protection Research accepts no responsibility for decisions made solely on the basis of Research Content without appropriate independent assessment by a suitably qualified adviser.

8. Intellectual Property

Unless otherwise stated, all Research Content, including:
reports
articles
rankings and scores
technical documentation
software
databases
graphics
text
methodologies
dashboards; and
publications,

is owned by or licensed to Protection Research and is protected by copyright and other intellectual property laws. Except where expressly permitted by Applicable Law or by written agreement, users must not: reproduce substantial portions of Research Content; redistribute subscription-only materials; modify or create derivative works from Research Content; remove copyright notices or proprietary markings; commercially exploit Research Content; create competing research products using our materials; or use Research Content to train, develop or improve artificial intelligence or machine learning models without our prior written consent. Nothing in this Disclaimer transfers ownership of any Intellectual Property Rights.

9. Limitation of Liability

Nothing in this Disclaimer excludes or limits liability where such liability cannot lawfully be excluded or limited under the laws of England and Wales. Subject to that limitation, Protection Research shall not be liable for any loss or damage arising from reliance upon Research Content, including but not limited to: indirect or consequential loss; loss of profit; loss of revenue; loss of business opportunity; loss of contracts; loss of goodwill; business interruption; loss or corruption of data; regulatory or compliance consequences arising from advice given to clients; or costs arising from implementing recommendations contained within Research Content. Research Content is provided on an "as is" and "as available" basis. To the fullest extent permitted by Applicable Law, Protection Research disclaims all implied warranties, including warranties of merchantability, fitness for a particular purpose and non-infringement. Users acknowledge that protection markets and provider information change over time and that no research tool or report can guarantee suitability or completeness for every client circumstance.

10. Changes to this Disclaimer

Protection Research may update this Disclaimer from time to time to reflect:

changes in Applicable Law
developments in our Services and research methodology
improvements to our platform; or

operational or business requirements. The latest version of this Disclaimer will be published on our website together with the updated Effective Date. Continued use of our Research Content after the revised Disclaimer becomes effective constitutes acceptance of the updated version.